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Apparatus and methods for verifying a credit applicant's income that enhance a credit applicant's experience

机译：验证信贷申请人收入的设备和方法，可增强信贷申请人的经验

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摘要

Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

机译：用于处理贷款申请的设备和方法。该设备和方法可以涉及访问包括多个交易的金融机构客户账户;识别属于预定交易类别的那些交易;并总结交易。摘要信息可以作为收入和支出流报告的一部分来呈现，该报告至少部分地表征了帐户或申请人。金融机构代表可以在数据库中查询摘要信息，并可选地基于贷款申请和摘要信息启动承保过程。

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公开/公告号US8645264B2

专利类型
公开/公告日2014-02-04

原文格式PDF
申请/专利权人 THAYER ALLISON;ROBERT CARUSO;SUDESHNA BANERJEE;DEBASHIS GHOSH;KURT NEWMAN;DAVID JOA;ARUN PINTO;YANGHONG SHAO;
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申请/专利号US20080256639
发明设计人 DAVID JOA;THAYER ALLISON;DEBASHIS GHOSH;SUDESHNA BANERJEE;KURT NEWMAN;ARUN PINTO;ROBERT CARUSO;YANGHONG SHAO;
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申请日2008-10-23
分类号G06Q40/00;G06Q40/02;
国家 US
入库时间 2022-08-21 15:59:01

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